Small Business Lending Analyst - Howard County Economic Development Authority

The Howard County Economic Development Authority (HCEDA) is seeking a self-motivated and detail-oriented individual to support its business finance functions particularly in the areas of loan financial analysis, borrower relations, and loan health forecasting. This individual will join an elite team that specializes in providing exemplary support and service to the Howard County business community. In this role, the individual will track financial performance of loans, conduct financial research on loan applicants, prepare reports, support and collaborate with the Director of Business Finance and offer strategic recommendations optimizing resource allocation for public and private sector projects.

DUTIES AND RESPONSIBILITIES

Underwrite all loan applications. Present all loan requests to the Incentives Committees for approval. Review of potential loan recipients' financial documents. Analyze variances in the trial balance and report changes to management. Responsible for all processes and procedures: Loan booking to servicing (all business finance programs). Hold discovery calls with loan applicants and recipients. Develop, cultivate, and foster relationships with loan holders. Analyze and monitor loan statuses. Track and analyze financial growth of the loan holders' companies via tax returns. Complete bank reconciliations. Draft and edit meeting minutes for board member approval. Complete debt recovery documents. Draft loan closing documents. Draft payoff statements and periodic balance statements for loan holders. Assist loan holders with general inquiries regarding their loans. Assist in any special projects or new finance programs as needed. Strive to achieve business finance goals as set forth each fiscal year.

DESIRED CHARACTERISTICS

Well-organized with keen attention to detail. Strong communication skills with demonstrated ability to effectively communicate with clients. Team oriented. Ability to prioritize multiple projects in a fast-paced environment. Comfortable with learning new systems and technologies. Analytical mindset with strong problem-solving abilities. Detail-oriented and organized. Ability to work independently and collaboratively in a team environment. Strong interpersonal skills for working with diverse stakeholders. Adaptability and willingness to learn in a fast-paced environment.

REQUIRED QUALIFICATIONS

Bachelor's degree in finance, economics, accounting, or related field. 2+ years of experience in financial analysis, budgeting, or forecasting. Strong proficiency in Microsoft Excel and financial modeling. Knowledge of financial reporting and analysis tools. Familiarity with public finance or governmental accounting. Excellent communication and presentation skills.

PREFERRED QUALIFICATIONS

5+ years of relevant experience. Master's degree in finance, economics, or a related field. Experience working with Economic Development Authorities or public sector organizations. Certification (e.g., CFA, CPA, or CFM). Experience with public-private partnerships or grant funding analysis.

TO APPLY

Qualified candidates should send resumes, cover letter and salary expectations to the attention of EDAJobs@hceda.org. No phone calls please. Career Center | Recruitment HCEDA is an Equal Employment Opportunity Employer, and we are committed to a workplace that values diversity, equity, and inclusion. HCEDA prohibits discrimination on the basis race, color, religion, age, sex, ancestry, creed, national origin, disability status, genetics, marital status, military service, sexual orientation, gender identity/expression or any other characteristic protected by federal, state, or local laws.

ADDITIONAL INFORMATION

TO APPLY:

You must complete an employment application online to be considered for this recruitment. Resumes cannot be substituted for completion of the job application work history. No paper applications will be accepted. Selected candidates may be subject to drug screening, background screening, and reference checks. At time of application, please submit a copy of any college degree, coursework, licenses, or certifications that you have referenced on your application. Applicants who have education obtained outside of the U.S. may need to provide proof of the equivalent U.S. education as determined by a foreign credential evaluation service, such as the National Association of Credential Evaluation Services (http://www.naces.org) or

World Education Services:

International Credential Evaluation (https://www.wes.org/). Howard County Government is not sponsoring employees in application of the H-1B Visa or providing an extension of an existing H-1B Visa. All applicants must be legally authorized to work in the United States under the Immigration Reform and Control Act of 1986. Howard County is an Equal Employment Opportunity Employer, and we are committed to a workplace that values diversity, equity, and inclusion. The County prohibits discrimination on the basis of race, color, religion, age, sex, ancestry, creed, national origin, disability status, genetics, marital status, military service , sexual orientation, gender identity/expression or any other characteristic protected by federal, state or local laws. Applicants requiring accommodations during the hiring process should contact the Office of Human Resources directly at HiringPreference@howardcountymd.gov . Requests for accommodations should not be attached to the application.